SB 1107 in Los Angeles is one of the most important personal injury law updates Californians should know in 2025. As of January 1, this law raises the minimum auto liability insurance limits for the first time in over 50 years. But what does that mean for injury victims? Whether you’ve been hurt in a car crash, motorcycle accident, or pedestrian incident, understanding SB 1107 could significantly affect the compensation you’re entitled to.
California Senate Bill 1107 (SB 1107) updates the state’s mandatory minimum auto insurance coverage amounts. Previously, the required liability limits were:
Starting in 2025, those limits are now:
These new minimums reflect the rising costs of medical care, vehicle repair, and overall living expenses across California. For accident victims, that means greater access to funds for recovery — but it also changes how injury claims are negotiated.
If you were injured in an accident caused by someone else, the at-fault driver’s insurance policy typically covers your damages. With higher limits under SB 1107, you now have a better chance of receiving full compensation without having to file a lawsuit or tap into your own underinsured motorist (UIM) coverage.
Imagine you’re hit by a negligent driver while crossing the street in Burbank. You suffer a broken leg and miss six weeks of work. Your total damages — including medical bills, lost wages, and pain and suffering — amount to $45,000. Under the old insurance limits, you would only be eligible to recover $15,000 unless you filed a separate civil claim. Now, the at-fault driver’s policy may cover your full $30,000 statutory limit, helping you recover more without delays.
Attorneys are now reevaluating how they approach early negotiations. With higher insurance limits, it’s more likely that pre-litigation settlements will be sufficient to cover economic and non-economic losses. This can shorten the time it takes for clients to receive compensation and reduce legal costs for everyone involved.
Despite the higher minimums, many serious accidents still result in damages that exceed the $30,000 or $60,000 caps. That’s where your own UIM policy can step in — but only if you’ve opted for this coverage. Given LA’s high number of uninsured and underinsured drivers, it’s a wise choice to increase your UIM limits as well.
Many of these injuries result in expenses and suffering far exceeding $15,000. SB 1107 is a step toward aligning coverage with real-world costs.
If you’ve been injured in a car accident in Los Angeles and want to understand how SB 1107 affects your case, the experienced legal team at ANTN LAW is here to help. Led by attorney Arpine Navasardyan, ANTN LAW has a proven track record of securing fair compensation for victims throughout Southern California.
We offer a free consultation to review your case. We’ll walk you through the impact of SB 1107 on your claim and help you fight for every dollar you deserve.
SB 1107 is a California law that raises the minimum auto liability insurance limits starting January 1, 2025.
It increases the amount of money available from the at-fault driver’s insurance to cover your injuries and property damage.
Possibly. While premiums may rise slightly, the increased protection can help reduce financial devastation after an accident.
Yes. You can pursue a civil lawsuit for damages beyond what insurance covers.
Yes, but rideshare companies usually carry higher commercial coverage beyond state minimums.
You may file a claim under your uninsured motorist policy or sue the driver directly.
Yes. In California, you generally have 2 years from the date of the accident to file a personal injury claim.
See the California Legislative Information site: leginfo.legislature.ca.gov
Even in seemingly minor cases, a lawyer can help you avoid mistakes, ensure proper valuation, and negotiate effectively.
There are discussions about increasing penalties for uninsured drivers and mandating higher UIM coverage levels.
No. SB 1107 applies only to policies issued or renewed on or after January 1, 2025.
Contact your insurance provider or review your declarations page.
No. But it may reduce the number of cases that need to go to court due to better coverage availability.
Your UIM policy may bridge the gap, depending on your own coverage.
Yes. Many insurers now recommend increasing both liability and UIM limits to match today’s cost of care.
